Trupanion, Inc. (TRUP) — Stock Score Summary

Trupanion, Inc. (TRUP) has a MoatMap StockRank of 20/100 based on Quality (58/100), Value (25/100), and Momentum (22/100) factor scores. The current signal is STRONG SELL. Trupanion provides medical insurance for cats and dogs. While it has a strong brand, it faces severe headwinds from veterinary inflation and regulatory scrutiny over rate increases, depressing its underwriting margins.

Trupanion, Inc. is a leading provider of medical insurance for pets in the United States and Canada, offering comprehensive coverage for cats and dogs. The company's competitive moat is built on its unique business model, including direct payment to veterinarians and a sophisticated pricing algorithm that offers lifelong coverage. Trupanion is a market leader in a growing niche, leveraging its veterinary relationships and specialized underwriting.

Key Financial Metrics

Price$21.46
Market Cap$966M
P/E (TTM)36.86
P/E (Forward)5.05
Price/Book2.40
Return on Equity7.1%
Return on Invested Capital7.1%
Debt/Equity27.70
Gross Margin22.3%
Operating Margin1.2%
Revenue Growth12.3%
Free Cash Flow$-14M

Trupanion, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Trupanion, Inc.’s (TRUP) StockRank?
MoatMap’s StockRank for Trupanion, Inc. (TRUP) is 20/100, with a Strong Sell signal. It is a composite of Quality (58), Value (25), and Momentum (22) factor ranks across MoatMap’s 19,000+ stock universe.
Does Trupanion, Inc. have an economic moat?
Trupanion, Inc. (TRUP) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Trupanion, Inc. a buy, hold, or sell?
MoatMap’s current signal for Trupanion, Inc. (TRUP) is Strong Sell, based on a StockRank of 20/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Trupanion, Inc. in?
Trupanion, Inc. (TRUP) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).
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